Prelys Courtage 2.0

Name

Prelys Courtage 2.0

Legal name

PRELYS COURTAGE

Website

https://prelys-courtage.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Prelys Courtage 2.0 is a French mortgage and credit brokerage franchise network operating 35+ agencies across metropolitan France and La Réunion, serving individual borrowers and small businesses with mortgage, debt consolidation, insurance, and professional loan intermediation through proprietary digital tools and bank partnerships.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage services
• Credit consolidation loans
• Borrower insurance brokerage
• Professional loan intermediation
• Wealth management advisory

Headquarters

HQ city

Tours

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Brokerage commissions on mortgage and loan completions: Prelys Courtage generates revenue through commissions paid by banking partners when a loan or insurance product is successfully finalized through its network. Franchised brokers earn commissions on completed transactions, with the network taking a share. The company also earns from insurance partner commissions on borrower insurance policies placed through the network.
2. Referral fees (parrainage): The company operates a client referral program (parrainage) where existing clients receive a 200 EUR Pluxee credit when they refer a close contact (family member, friend, colleague) who successfully subscribes to a loan with Prelys Courtage. For loans under 100,000 EUR, the referral reward is 100 EUR. This is a client acquisition cost effectively financed by the network.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Prelys Courtage 2.0 is a French mortgage and credit brokerage franchise network that intermediates residential mortgage loans, professional/business loans, debt consolidation, and borrower insurance between clients and a panel of banking partners. Operating through 35+ franchised agencies across metropolitan France and La Réunion, it uses proprietary digital tools (eConnect CRM, eDoc, ePass, partner app) to manage client dossiers and accelerate bank approvals. The network also offers wealth management advisory through its Prelys Family subsidiary.

Product overview

Prelys Courtage 2.0 operates as a multi-service mortgage and credit brokerage franchise network offering five core products: Prêt immobilier (residential mortgages), Rachat de crédits (debt consolidation), Assurance prêt immobilier (mortgage insurance), Prêt professionnel (business loans), and Prelys Family (wealth management advisory). The network also provides four proprietary digital tools—eConnect (CRM), eDoc (document management), ePass (borrowing capacity certificates), and a Partner Application (dossier tracking)—to support franchise operations. The 2.0 franchise model was launched in 2023 to expand nationally while maintaining personalized client service across 30+ physical agencies.

Differentiator

Problem solved

Functional benefit

Brands

• Prelys Family: Patrimonial advisory services subsidiary offering 100% advice without financial products (Family Office service).

Products and services

• Prêt immobilier (Mortgage Loan Brokerage)
• Rachat de crédits (Debt Consolidation)
• Assurance prêt immobilier (Borrower Insurance)
• Prêt professionnel (Professional/Business Loan Brokerage)
• Prelys Family (Wealth Management Advisory)

Quantifiable outcome

• Clients can achieve up to 60% reduction in monthly payments through credit consolidation
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core, minor and regional.

• Banque PopulairecoreChannel Partner/ Reseller/ DistributorNational banking partner within Prelys Courtage's network of financial partners. Provides mortgage and professional loan products to clients brought by Prelys Courtage brokers through national conventions.
• Société GénéralecoreChannel Partner/ Reseller/ DistributorMajor French banking partner offering mortgage and professional financing products to Prelys Courtage clients through national bank conventions.
• LCLcoreChannel Partner/ Reseller/ DistributorNational banking partner of Prelys Courtage's network, providing credit products to referred clients through established conventions.
• SofidercoreChannel Partner/ Reseller/ DistributorBanking partner specialized in consumer and mortgage credit, operating within Prelys Courtage's national partner network.
• Crédit AgricolecoreChannel Partner/ Reseller/ DistributorMajor mutual banking group partner offering mortgage, professional, and insurance products to Prelys Courtage clients through regional and national conventions. Multiple regional Crédit Agricole entities are partners including CA Val de Loire, CA Charente, and CA Val de France.
• Crédit MutuelcoreChannel Partner/ Reseller/ DistributorMutual banking group partner within Prelys Courtage's network providing credit and insurance solutions to referred clients.
• CNCEF Crédit (Association Professionnelle des Intermédiaires en Crédits)coreStrategic or Co-development PartnerPrelys Courtage is a member of CNCEF Crédit, the professional association for credit intermediaries in France. This membership provides industry representation, professional standards, and credibility for the network. Located at 103 boulevard Haussmann, 75008 Paris.
• CNPM Médiation - ConsommationminorOthersConsumer mediation entity designated by Prelys Courtage for dispute resolution in compliance with French consumer law (articles L.616-1 and R.616-1 of the Consumer Code). Located at 27 avenue de la Libération, 42400 Saint-Chamond.
• Laplateformedecredit.comminorGTM or Marketing PartnerDigital credit platform partner linked to Prelys Courtage for online lead generation and credit comparison services, extending Prelys Court's digital reach.
• La Réunion regional banking partnersregionalChannel Partner/ Reseller/ DistributorPrelys Courtage operates dedicated regional bank partners including Credit Agricole Run (Réunion) to serve its Réunion client base with locally adapted products.

Scale indicators7 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• ACE Crédit: ACE Crédit is a French mortgage and credit brokerage firm that connects individual and professional borrowers with banking partners, directly comparable to Prelys Courtage's brokerage-and-multi-bank-panel model.
• Meilleurtaux: Meilleurtaux is one of France's largest mortgage broker networks, intermediating between individual borrowers and banking partners - directly comparable to Prelys Courtage in service offering, customer segment (individual home buyers), and multi-bank panel model.
• CAFPI: CAFPI is a leading French mortgage broker with a national physical agency network serving individual borrowers across metropolitan France, operating the same intermediary role between clients and banking partners as Prelys Courtage.
• Vousfinancer: Vousfinancer is a French mortgage broker network with multiple agencies intermediating mortgage and credit consolidation products for individual borrowers - the same core business model as Prelys Courtage.
• Artémis Courtage: Artémis Courtage is a French mortgage broker operating across metropolitan France with multiple agencies, serving individual borrowers seeking residential mortgage brokerage - directly comparable in product offering and distribution model to Prelys Courtage.
• Immoprêt: Immoprêt is a French mortgage broker network with multiple physical agencies intermediating residential mortgages between individual borrowers and bank partners, comparable to Prelys Courtage's franchise-based distribution.
• Magnolia.fr: Magnolia.fr (formerly BFM Business / Magnolia Courtage) is a French mortgage broker that intermediating residential and professional loans for borrowers across France, comparable in service breadth to Prelys Courtage.

Emerging players

• Pretto: Pretto is a French online (digital-only) mortgage broker serving individual home buyers - overlapping significantly with Prelys Courtage on customer segment and product (mortgage intermediation), but competing via a pure digital model without physical branches.

Broad incumbents

• Cofidis: Cofidis is a large French consumer credit lender with brokerage capabilities that overlaps with Prelys Courtage's credit consolidation and professional loan offerings, though Cofidis operates as a direct lender rather than a pure intermediary.
• Crédit Foncier de France (now within Groupe BPCE): Crédit Foncier and larger French real estate lenders operate full-stack origination and intermediation in mortgage and credit consolidation, adjacent to Prelys Courtage's brokerage franchise model but at materially greater scale and with balance-sheet lending capabilities.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/watch?v=bUZqtkJ-XOw
• Xx.com/prelyscourtage
• Facebookfacebook.com/prelys.courtage
• LinkedInlinkedin.com/company/prelys-courtage

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Prelys Courtage 2.0